Alturas, FL Land for Sale: 1.32 Acres in Polk County with Owner Financing

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Posted: July 26, 2026 by LandCentury

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Property facts Area setting Potential uses Due diligence Q&A

1.32 acresListed parcel size

$1,500Cash price

RecreationalListed zoning

NoneListed road access

For buyers looking at low-entry land in Central Florida, the headline price is only one part of the decision. On a rural or semi-rural parcel, legal access, allowed uses, utility feasibility, and county records can matter more than acreage alone.

This listing is LC25392, a 1.32-acre vacant land parcel in Alturas, Polk County, Florida, referenced near Hwy 640 and identified as parcel 26-31-05-000000-011080. The listed cash price is $1,500, with owner financing also shown at $2,000.

The key caveat is straightforward: the structured listing data says road access is none, utilities are well and septic needed, and zoning is listed as Recreational. Treat those as starting points for due diligence, not as proof of buildability or guaranteed use.

Additional listing image for the 1.32-acre Alturas, Florida land parcel

Listing image associated with LC25392 in Alturas, Polk County, Florida.

Property snapshot for LC25392

Here are the core listing facts a buyer should understand before comparing this parcel with other Alturas or Polk County land options.

Property numberLC25392

Use this LandCentury reference when asking about the listing or confirming availability.

Parcel number26-31-05-000000-011080

This is the key identifier for checking county GIS, appraisal, tax, and recorded-document records.

Location referenceHwy 640, Alturas, FL 33841

This provides general location context, but it does not by itself prove legal frontage or physical access.

CountyPolk County, Florida

County records and county land-use rules are the primary verification sources for this parcel.

Size1.32 acres, or 57,669 square feet

The acreage gives room for potential low-intensity land uses, subject to access, zoning, environmental, and permit checks.

Deed type listedWarranty Deed

A warranty deed is listed, but buyers should still verify title, deed chain, and deed delivery timing, especially under financing.

UtilitiesWell & Septic needed

The listing does not indicate installed water or sewer service; feasibility depends on county, environmental, and site conditions.

Listing-supplied tax figure$8.55

This may be useful for carrying-cost context, but it should be confirmed with county records before relying on it.

Access is the main issue to verifyThe listing’s structured road-access field says none. Before treating the parcel as usable for recreation, camping, future development, or resale, confirm legal access, frontage, and any recorded easements through county records and title review.

Alturas and Polk County setting

Alturas is in Polk County, Florida, within the broader Central Florida land market. Buyers in this area often compare acreage, price, access, drainage, and utility feasibility parcel by parcel because nearby properties can have very different practical usability.

The supplied coordinates and location reference place this property in the Alturas area, but the article does not assume city-center services, paved frontage, or utility availability. For this parcel, the important local context is county-level verification: GIS mapping, zoning or land-use classification, tax records, and recorded documents.

Polk County has official property and land-use resources that can help a buyer match the parcel number to county data. That step is especially important here because the legal description supplied in the listing is truncated and the road-access field is listed as none.

Polk County records are the best starting point for parcel-level confirmation.The Hwy 640 reference should be treated as a location reference unless frontage or access is documented.Central Florida land buyers should verify drainage, flood, wetlands, and septic feasibility before planning improvements.The listed Recreational zoning label needs county confirmation before assuming specific allowed uses.

Additional property image for the Polk County, Florida land listing

Supplemental listing image for the 1.32-acre parcel near Hwy 640 in Alturas.

Potential uses and buyer fit

This parcel may fit a buyer who wants a low-cost Polk County land holding and is comfortable doing careful access and zoning research before closing. The $1,500 cash price and owner-finance option make it approachable, but the low entry price does not remove the need to verify whether the land can be reached and used legally.

Because the listing says road access is none, any active use should be considered conditional. Even passive recreation, camping, RV use, clearing, fencing, hunting, or storage can be restricted by zoning, access rights, environmental conditions, and county rules.

Passive land holding, if title, taxes, access limitations, and carrying costs check out.
Low-intensity outdoor or recreational use only if legal access exists and Polk County confirms the use is allowed.
Future improvement planning only after verifying zoning, setbacks, minimum lot size, access, flood or wetlands status, and septic or well feasibility.
Conservation-minded ownership or private open-space use, subject to access rights and any environmental restrictions.

Best-fit buyer profileThis is best approached by a buyer who understands rural-land due diligence, values the low purchase price, and is willing to verify access and permitted use before assuming the parcel can support structures or regular on-site activity.

Due diligence checklist before buying

Use the parcel number as your anchor, then compare the listing data against county, title, and on-the-ground information. These checks are especially important because access is not listed and utilities are not installed.

Confirm legal access and easements

The listing says road access is none. Ask whether the parcel has recorded easement rights, public frontage, private access permission, or no legal access at all. Do not rely on the Hwy 640 reference without documentation.

Verify zoning and allowed uses

Confirm what the Recreational label means in Polk County records. Ask whether it is a zoning district, land-use designation, or listing category, and whether it allows camping, RV use, structures, agricultural activity, or only passive recreation.

Check county GIS and parcel boundaries

Use the parcel number to confirm boundaries, ownership record, assessed information, and map location. Because the supplied legal description is truncated, matching the parcel in official records is important.

Review title, deed chain, and recorded documents

Confirm the seller’s authority to convey, the deed type, any liens, unpaid taxes, restrictions, and recorded easements. If using seller financing, confirm when the deed is delivered and what happens if either party defaults.

Investigate water, septic, and utility feasibility

The listing says well and septic are needed. That does not guarantee a well can be drilled or a septic system can be permitted. Check soil, drainage, environmental rules, and utility extension options before planning a homesite or cabin.

Review flood, wetlands, and drainage constraints

Check FEMA flood mapping, county environmental layers, wetlands indicators, and actual site conditions. Low-cost rural land can be materially affected by drainage or conservation restrictions.

Compare cash and financing costs

The cash price is $1,500, while owner financing is listed at $2,000 with $500 down, 10% APR, a 5-year term, $38.03 per month, and a $249 processing or origination fee. Compare the total cost before choosing a payment path.

Official verification starting point

For parcel-level verification, start with the Polk County Property Appraiser and GIS resources. They are the most relevant official source for checking the parcel record, map position, and county data tied to parcel 26-31-05-000000-011080.

Check Polk County parcel records

Owner-financing terms shown in the listing

Owner financing is listed as available for this property, with an owner-finance price of $2,000. The supplied terms show a $500 down payment, 10% APR, a 5-year term, and a monthly payment of $38.03.

The listing also notes a $249 processing and origination fee for new loans. It states the purchase is handled by contract for deed, with the deed transferred after final payment. Buyers should read the contract carefully and understand deed timing, default provisions, prepayment rules, and any additional costs before signing.

What is the total amount paid over the full 5-year financing term, including fees?
Is there any prepayment penalty if the buyer pays off early?
When exactly is the deed recorded in the buyer’s name?
What happens if a payment is late or missed?
Are property taxes, recording fees, or document fees included or separate?

How to compare this parcel with other Florida land for sale

When comparing this listing with other Alturas or Florida land for sale, do not compare only price per acre. A parcel with confirmed legal access, clear zoning permissions, buildable soils, and utility options can be far more usable than a cheaper parcel without those items established.

This property’s strongest buyer-facing points are the low cash price, listed owner-financing terms, Polk County location, and identifiable parcel number. The main tradeoffs to investigate are access, zoning meaning, utility feasibility, and environmental constraints.

Questions buyers may ask about this property and area

What is LC25392 in Alturas, Florida?

LC25392 is a 1.32-acre vacant land listing in Alturas, Polk County, Florida. The parcel number is 26-31-05-000000-011080, and the listing shows Recreational zoning, no road access, and well and septic needed.

How much is the Alturas, FL land listed for?

The listed cash price is $1,500. The owner-finance price is $2,000, with listed terms including $500 down, 10% APR, a 5-year term, $38.03 per month, and a $249 processing or origination fee.

Does this Polk County parcel have road access?

The structured listing data says road access is none. Buyers should verify legal access, frontage, and any recorded easements through county maps, title review, and recorded documents before assuming the land can be reached.

What utilities are available on the property?

The listing says well and septic are needed. That indicates installed water and sewer service are not shown in the supplied data, and buyers should verify whether well, septic, electric, or utility extensions are feasible.

Is this parcel buildable?

Buildability is not established by the supplied listing data. The Recreational zoning label, no listed road access, and well/septic requirement all require county confirmation before assuming a home, cabin, RV setup, or other structure is allowed.

What does Recreational zoning mean here?

The listing’s zoning field says Recreational, but the exact legal meaning should be confirmed with Polk County. Buyers should ask whether it allows structures, camping, RVs, hunting, agricultural activity, or only limited outdoor use.

Where should I verify the parcel information?

Start with Polk County property appraiser and GIS resources using parcel number 26-31-05-000000-011080. Then check planning or zoning resources, tax records, and recorded documents for access, restrictions, and ownership history.

What should a buyer verify before sending money?

Verify title, deed chain, taxes, legal access, easements, zoning, allowed uses, flood or wetlands status, and utility feasibility. If using owner financing, also review deed delivery timing and default terms in the contract.

Bottom line

This 1.32-acre Alturas parcel is a low-price Polk County land listing with a clear parcel number, a listed warranty deed, and seller financing terms that may appeal to buyers who want a small Central Florida land position without paying a large upfront amount.

The practical question is not just whether the price is attractive. It is whether the parcel has legal access, what Recreational zoning allows, and whether water, septic, drainage, and environmental conditions support the buyer’s intended use.

If you are considering LC25392, approach it as a due-diligence-first land purchase. Confirm the county record, review title and easements, understand the financing documents, and do not assume buildability or regular recreational use until the relevant agencies and records support it.